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This withdrawal allows you to withdraw your savings in Account II to partially finance the purchase of a house either via:
• Individual purchase; or
• Joint purchase with spouse, family members or other individuals.
This scheme also allows member to purchase a house from the developer, individual or public auction. |
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Your EPF Account is where all your monthly contributions and that from your employer are credited into.
Effective 1 January 2007, the Account is divided into two parts, namely Account I and Account II. Contributions received on your behalf from your employer will be credited into the two accounts according to the following percentages:
• Account I - 70% of monthly contribution
• Account II - 30% of monthly contribution
These accounts are created for different purposes, and different types of withdrawals are applicable on each accounts:
Savings in this account is meant to be used for your retirement, and it cannot be fully withdrawn before you reach the age of 55, become incapacitated, leave the country or deceased (payment will be made out to your nominee / heir).
You are allowed to invest part of this savings to allow you to add the value of your savings.
Savings in this Account is meant to help you to make early preparations for a comfortable retirement. Withdrawals are allowed for the purposes of:
• Attaining the age of 50 years;
• Owning a house - the downpayment for your first house;
• Settling the balance of your housing loan - first house;
• Financing education for you and that of your children's;
• Medical expenses for you and that of your children's
The EPF will not consider application for withdrawal from any account for purposes other than those stated in the current law as cited in the EPF Act 1991; EPF Rules and Regulations 1991; and EPF Circular and Procedure. |
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Withdrawal Eligibility
Members are eligible to apply if they are:
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A Malaysian citizen; or |
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A Permanent Resident; or |
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A Malaysian citizen who have withdrawn your savings under Leaving The Country Withdrawal before 1 August 1995 but subsequently returned and re-contribute to EPF; or |
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A Non-Malaysian citizen (Expatriate) who became a member of the EPF before 1 August 1998. |
You need to have savings in your Account II and you must also have not reached 55 years of age on the date the application is received by the EPF.
Conditions of Withdrawal
Conditions of withdrawal to purchase a house are as follows:
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You have purchased a house (house types: bungalow / terrace / semi-detached / flat / condominium / apartment / studio apartment / service apartment / town house) or a shop house with a dwelling unit; and |
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You financed the purchase of the house by obtaining a housing loan from any financial institution approved by the EPF OR You purchased the house by cash; and |
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You have executed the Sales and Purchase Agreement not more than three years from the date the application is received by EPF; and |
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You have never made Housing Withdrawal OR You are buying a second house – You have previously made Housing Withdrawal but have since sold the house and subsequently purchased another house. You must produce the proof of sale of the first house; and |
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You wish to purchase a house by way of hire purchase from any authority authorised by the EPF. |
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You purchased a piece of land and built a house on it simultaneously (the date of Land Purchase Agreement with the House Construction Agreement must be within 6 months). |
However, you are not eligible to withdraw for the purpose of:
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Purchase a piece of land or a housing lot only; |
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Renovating, repairing or make extension works to an existing house. |
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| Amount Eligible For Withdrawal
You can withdraw your savings based on the following, whichever is lower:
| i. |
Individual Purchase
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The difference between the price of the house and the housing loan
with an additional 10% of the price of the house
OR
All balance available available in Account II.
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| ii. |
Joint Withdrawal With Spouse, Family Members or Other Individuals
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The difference between the price of the house and the housing loan
With an additional 10% of the price of the house
OR
All balance available in Account II for all applicants
subject to the difference of amount stated above.
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If you purchased a house by cash, you are eligible to withdraw as much as the price of the house with an additional 10% of the price of the house OR all balance available in Account II, whichever is lower.
You can choose to determine the amount you wish to withdraw from your savings in Account II, subject to the maximum amount you are entitled to withdrawal by completing "Surat Akujanji Pilihan Amaun Pengeluaran". |
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Frequency of Withdrawal
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| This withdrawal is only allowed for your first house only. However, if you have made a withdrawal previously to buy your first house and subsequently have sold the house, you may withdraw to buy a second house. Proof of sale of the first house must be produced. |
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| After making this withdrawal, you are eligible to withdraw your savings to reduce / redeem the housing loan for the same house once a year. |
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| EXAMPLE 1 (Individual Purchase)
Encik Sallehuddin purchased a house costing RM75,000 and obtained a housing loan of RM60,000. His total EPF savings in Account II is RM40,000. Therefore the amount of savings that he can withdraw is:
Calculation: |
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| Price of the house |
| Housing loan |
| Difference between the above |
| Add 10% from price of the house |
| Maximum Amount Eligible For Withdrawal |
| Available Balance in Account II |
| Amount that can be withdrawn |
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| Since the maximum amount he is eligible to withdraw is lower than his total savings in Account II, Encik Sallehuddin can withdraw RM22,500 only. |
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| EXAMPLE 2 (Individual Purchase Without Housing Loan)
Encik Amirul purchased a house costing RM125,000.00. He did not apply for a housing loan. He paid the housing developer RM35,000.00. His EPF savings is RM60,000 in Account II.
Calculation: |
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| Price of the house |
| Minus loan amount |
| Difference between the above |
| Add 10% from price of the house |
Maximum Amount Eligible For Withdrawal |
Available Balance in Account II |
| Amount that can be withdrawn |
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Since Encik Amirul has only RM60,000.00 in Account II, he can only withdrawal all of his savings in Account II. |
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| EXAMPLE 3 (Joint Purchase)
Encik Amir and Puan Syuhada purchased a house costing RM100,000 and they obtained a housing loan of RM100,000. Encik Amir has RM20,000 in his Account II while Puan Syuhada has RM3,600 only in her Account II.
Calculation: |
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| Price of the house |
| Housing Loan |
| Difference between the above |
| Add 10% from price of house |
| Maximum Amount Eligible For Withdrawal By The Couple |
| Available Balance in Account II for Encik Amir |
| Available Balance in Account II for Puan Syuhada |
| The Amount Chosen To Be Withdrawn By Encik Amir |
| Amount that can be withdrawn by Puan Syuhada |
| Total amount that can be withdrawn by the couple |
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Since both members obtained 100% housing loan, the maximum amount that can be withdrawn by this couple is 10% of the price of the house only, i.e. RM10,000 to cover for side cost. Applications will be processed according to the amount they choose to withdraw respectively, by completing the "Surat Akujanji Pilihan Amaun Pengeluaran". |
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| EXAMPLE 4 (Purchase
Of A Housing Lot And Building) A House Simultaneously)
Encik Nasaruddin purchased a piece of land costing RM80,000 on 1st January 2005 and obtained a loan of RM70,000 to finance the purchase. On 1st May 2005, he signed an agreement to build a house on the said land with a total construction cost of RM200,000. He obtained a housing loan of RM100,000 to build the house. The calculation for withdrawal by Encik Nasaruddin is as follows:
Calculation: |
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| Price of the land |
| Construction cost of the house |
| Total Price of The Land and Cost of Construction of The House |
| Total Housing Loan To Purchase The Land and To Build The House |
| Difference between the above |
| Add 10% from price of house |
| Amount eligible to withdraw |
| Savings in Account II |
| Amount that can be withdrawn |
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Members are required to complete Form KWSP 9C (AHL) and to submit this form together with the following documents, whichever is applicable: |
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A. PURCHASE FROM
DEVELOPER / PUBLIC AUCTION
Application can be submitted at the EPF counter or by post.
Submission at Counter
You need to produce:
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Completed KWSP 9C (AHL) form |
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Supporting documents (original and photocopy) |
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Identification Card / Military Identification Card /MyKad |
OR
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Police Identification Card affixed with your right and left thumbprint impressions on its copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person; |
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Personal Savings Account Passbook / Statement or Personal Current Account Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer); |
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Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale (purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF; |
If you have obtained a housing loan, the following documents are required:
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Housing Loan Approval Letter (if the loan approval is less than one year) |
OR
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Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if the loan approval has been more than one year). |
If you self-financed the purchase of the house, the following additional documents are required:
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| Letter from the developer confirming the purchase paid in cash; and |
Letter from the developer confirming the purchase paid in cash; and |
| Proof of payment of at least 20% from the price of the house; and |
Proof of payment of at least 20% from the price of the house; and |
| Architect Certificate with not less than 20% of construction progress. |
Transfer of ownership documents
• Form KTN 16F ('Perakuan Jual Oleh Mahkamah')
OR
• Form KTN 16I ('Perakuan Jual Oleh Pentadbir Tanah) OR
•Deed of Assignment in your name
OR
• Form KTN 16F/ 16I/ Deed of Assignment which has not been processed by the Land Office AND Declaration Letter from you to produce the above-mentioned transfer of ownership document (duly completed) within 6 months. |
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B. PURCHASE FROM AN INDIVIDUAL
You need to produce:
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Completed KWSP 9C (AHL) form |
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Supporting documents (original and photocopy) |
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Identification Card / Military Identification Card /MyKad |
OR
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Police Identification Card affixed with your right and left thumbprint impressions on its copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person; |
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Personal Savings Account Passbook / Statement or Personal Current Account Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer); |
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Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale (purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF; |
If you have obtained a housing loan, the following documents are required:
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Housing Loan Approval Letter (if the loan approval is less than one year) |
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Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if the loan approval has been more than one year). |
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Deed of title as the following: |
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Deed of Title in the name of the seller AND Letter of consent of transfer issued by the Land Office (if there is restriction on the property);
OR
Deed of Title in your name ;
OR
Duly completed Form KTN 14A by the Land Office in your name. |
Letter of consent of transfer from the developer AND Letter of consent of transfer issued by the Land Office / Local Authority (if there is restriction on the property);
OR
Deed of Assignment in your name. |
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If you self-financed the purchase of the house, the following additional documents are required:
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Letter from the lawyer in charge of the sale and purchase confirming the purchase paid in cash ; |
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Proof of payment of at least 20% of the price of the house; and |
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If Form KTN 14A or Deed Of Assignment in your name as mentioned above has not been processed by the Land Office, the following documents are required: |
Form KTN 14A in your name, which has not been processed by the Land Office
AND Receipt of Submission ("Penyata Perserahan") from the Land Office
AND
Declaration Letter from you to produce the duly completed Form KTN 14A within 6 months. |
Form Deed Of Assignment which has not been processed
AND Declaration Letter from you to produce the duly completed Deed of Assignment within 6 months. |
If you self-financed the purchase of the house, the following documents are required:
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Letter from the developer confirming the purchase paid in cash; |
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Proof of payment of at least 20% of the price of the house; and |
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Architect Certificate with not less than 20% of construction progress. |
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C. PURCHASE OF LAND AND CONSTRUCTION
OF HOUSE SIMULTANEOUSLY
You need to produce:
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Completed KWSP 9C (AHL) form |
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Supporting documents (original and photocopy) |
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Identification Card / Military Identification Card /MyKad |
OR
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Police Identification Card affixed with your right and left thumbprint impressions on its copy and Certifying Letter from your employer confirming that your police number and Identification Card number refer to the same person; |
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Personal Savings Account Passbook / Statement or Personal Current Account Statement which is still active; (To be certified by authorised EPF Officer or relevant Bank Officer); |
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Sales and Purchase Agreement (purchase from developer) or Proclamation of Sale (purchase from public auction) containing your name or the names of all applicants for joint purchase that is executed not more than 3 years from the date the application is received by the EPF; |
If you have obtained a housing loan, the following documents are required:
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Housing Loan Approval Letter (if the loan approval is less than one year) OR |
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Housing Loan Approval Letter and Housing Loan Agreement / Mortgage Form 16A (if the loan approval has been more than one year). |
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House Construction Agreement containing your name or the names of all applicants for joint withdrawal and that is executed not more than 3 years on the date the application is received by the EPF; |
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Sales and Purchase of Land Agreement containing your name or the name of all applicants for joint withdrawal and the date of agreement is within 6 months with the House Construction Agreement; |
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Deed of Title of the land in the name of the seller/ developer; or |
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If the Deed Of Title still in the name of the land owner, the following documents must be produced:
i) Power of Attorney that has been registered with the court, if the purchase of land and house construction is made through Power of Attorney; and
ii) Deed of Title of the land. |
If you self-financed the purchase of the house, the following documents are required:
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Letter from the developer confirming the purchase paid in cash; |
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Proof of payment of at least 20% of the price of the house; and |
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Architect Certificate with not less than 20% of construction progress. |
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D. PURCHASE/BUILD A SECOND HOUSE
You need to produce:
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Completed KWSP 9C (AHL) form; |
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Supporting documents (original and photocopy) where relevant depending on the type of purchase (whether purchase from developer or public auction, purchase from individuals, or purchase of land and construction of house simultaneously as a package); |
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One of the following documents as the proof of sale of the first house: |
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Transfer of ownership document Form KTN 14A duly completed by the Land Office; |
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Deed of Assignment between you and the purchaser; |
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Deed of Title in the name of the purchaser AND Sales and Purchase Agreement between you and the purchaser; |
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Real Property Gains Tax Form (CKHT 5) AND Sales and Purchase Agreement between you and the purchaser; |
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Public Auction Form (KTN 16F or KTN 16I) AND confirmation from the bank; |
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Transfer of property ownership through a Court Order to any party AND Divorce Papers (for divorced cases); or |
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Official Search from the Land Office showing your name and the new owner AND Sales and Purchase Agreement between you and the purchaser. |
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| Submission Of Application
All application forms can be submitted to any EPF office either at the counter or by post.
- For applications submitted at the EPF counter, members are required to produce original documents together with their photocopies.
- For applications submitted by post, members are required to submit photocopies of documents that are certified by officers authorised by the EPF.
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Officers authorised by the EPF to certify supporting documents to application form are as follows:
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EPF Officer:
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EPF Officer (Grade 18 and above)
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EPF Main Counter Duties
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Applicant's employer
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Justice Of The Peace
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Penghulu/Penggawa
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Registered medical practitioner
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Advocates and Solicitors
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Government officers (professional Group)
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State Assemblyman
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Member of Parliament
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Commissioner of Oath
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If you have any enquiry or problem relating to your withdrawal application, please contact the nearest EPF Office or the EPF Customer Service Department as follows:
Customer Service: ++603-8732-6000
E-mail: enquiry@epf.gov.my
Web site: http://www.kwsp.gov.my |
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